IMPLEMENTASI REPAYMENT CAPACITY PADA PEMBIAYAAN GRIYA IB HASANAH UNTUK MENGURANGI RISIKO NASABAH WANPRESTASI DI BNI SYARIAH KANTOR CABANG PURWOKERTO

Leni, Tri Wahyuni (2019) IMPLEMENTASI REPAYMENT CAPACITY PADA PEMBIAYAAN GRIYA IB HASANAH UNTUK MENGURANGI RISIKO NASABAH WANPRESTASI DI BNI SYARIAH KANTOR CABANG PURWOKERTO. Diploma thesis, IAIN Purwokerto.

Preview

Text LENI TRI WAHYUNI_IMPLEMENTASI REPAYMENT CAPACITY PADA PEMBIA.pdf Download (1MB) | Preview

Abstract

BNI Syariah purwokerto is a community financial institution that provides services, fund raising, fund counseling and services. BNI Syariah is one of the banks that have a Sharia mortgage financing product named BNI Griya iB Hasanah, where the product makes it easier for the community, especially Purwokerto itself who is interested in using the products provided by BNI Syariah. In providing financing for Griya iB Hasanah the bank uses the concept of customer repaymant capacity through a 5C financing analysis. The purpose of this research is to find out and better understand the implementation to know and better understand the implementation of repayment capacity on Griya iB Hasanah payments to reduce the risk of defaulting customers. The method used in this thesis research is to use descriptive-qualitative methods. In the data display system the form uses the techniques of observation, interviews, and documentation at BNI Syariah purwokerto branch office. Griya iB Hasanah is a consumer financing facility provided to the public to buy, build, renovate houses, while the BNI Griya iB Hasanah financing procedures are as follows; First the customer fulfills administrative data, the two banks conduct a BI checking, the third bank assesses the feasibility of the prospective debtor using 5C, the fourth step BNI Syariah KC Purwokerto issues a financing decision letter (SKP), the fifth final step of the contract and disbursement. The mechanism of Repayment capacity in BNI Syariah KC Purwokerto is as follows; The customer's repayment capacity can be calculated if the data of the prospective debtor has been validated, then the financing analyst calculates the repayment capacity using the EFOS system. second, Repayment capacity in BNI Griya iB Hasanah financing has a significant impact on reducing the risk of defaulting customers. This can be seen from the BNI Syariah KC Purwokerto Quarterly NPF percentage data that experienced a decline after BNI Syariah KC Purwokerto implemented repayment capacity.

Actions (login required)

View Item